Management Target and Financial Overview
Total Client
deposits grew by
7% in 2009
WM client
Liabilities
Client deposits
GEL mln
2,000
Wealth Management deposits
GEL mln
120.0
100.0
deposits grew
1,395
68.6% in 2009
1,326
1,277
81.6
1,300
1,202
1,193
1,183
1,133
80.0
76.5
(24.1% q-o-q in
70.4
1,025
Q4 '09)
60.0
RB client deposits
681.5
grew 19.3% in
652.7
587.6
600
576.2
626.7
594.9
605.2
40.0
519.0
2009 (14.9% q-o-
q in Q4 2009)
FCB client deposits
declined 6.7% in
2009 (1.2% q-o-q
in Q4 2009)
363.6
403.4
20.0
326.0
319.0
280.4
285.0
331.2
380.5
-100
Q1 2008
Q2 2008 Q3 2008 Q4 2008 Q1 2009
■RB Client Deposits CB Client Deposits
Q2 2009 Q3 2009
Q4 2009
WM Client Deposits Other
Retail banking deposits
GEL 225 of
Borrowed funds
GEL mln
repaid in 2009,
500
+19.3%
+68.6%
163.1
131.4
105.2
96.7
93.3
Q1 2008
Q2 2008
Q3 2008
Q4 2008
Q1 2009
Q2 2009
Q3 2009
Q4 2009
Borrowed funds
GEL mln
1500
-19.8%
resulting in 20%
decrease y-o-y
403.4
400
363.6
GEL 100 mln
decline in
300
380.5
326.0
331.2
319.0
280.4
285.0
1000
903.6
947.8
795.1
1,137.8
1,162.8
1,011.4
918.6
913.0
Shareholders'
equity in 2009
200
due to 2009 loss
500
associated with
100
Ukraine, mark-
downs of real
estate and
0
Q1 2008
Q2 2008
investment
Q3 2008 Q4 2008
Q1 2009
Q2 2009 Q3 2009
Q4 2009
Q1 2008
Q2 2008
Q3 2008
Q4 2008
Q1 2009
Q2 2009
Q3 2009
Q4 2009
Lobko
BANK OF GEORGIA
www.bog.ge/ir
April 2010
Page 29View entire presentation